BLK
BlackRock, Inc.
BLK offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
OFG
OFG Bancorp
OFG has the edge over BLK overall, supported by stronger valuation and stronger modeled upside.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
OFG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
OFG's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OFG.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK's PE is in its expensive range at 28x.
OFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $46.35 | -9.7% |
| Current | 9.8x | $51.34 | — |
| Fair | 9.9x | $52.09 | +1.5% |
| Forward | 9.9x | $51.34 | — |
| Expensive | 14x | $75.61 | +47% |
Historical ranges are pointers, not guarantees.
OFG has the edge over BLK in the historical PE scenario, which offers more potential upside but is not a forecast.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
OFG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect OFG's earnings to grow and its profitability to improve, with its revenue holding steady.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
OFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.19 | -1.1% |
| Q3 2026 | $5.25 | +19% |
| Q2 2026 | $5.08 | +20% |
| Q1 2026 | $4.84 | +16% |
| Q4 2025 | $4.58 | +8.3% |
| Q3 2025 | $4.41 | +7% |
| Q2 2025 | $4.25 | +4.4% |
| Q1 2025 | $4.18 | +6.6% |
| Q4 2024 | $4.23 | +10% |
OFG has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over OFG on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK's operating margin was 30% last quarter, about level with the same quarter a year ago, near the bottom of its range since 2019.
OFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $186.2M | 0% |
| Q2 2026 | $190.3M | +4.4% |
| Q1 2026 | $186M | +4.1% |
| Q4 2025 | $184.3M | +0.9% |
| Q3 2025 | $186.2M | +6.5% |
| Q2 2025 | $182.4M | +1.4% |
| Q1 2025 | $178.6M | +2.4% |
| Q4 2024 | $182.7M | +0.2% |
OFG's revenue has grown year over year for 22 quarters in a row: $186M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +5.6 points |
| Q2 2026 | 39% | +3 points |
| Q1 2026 | 37% | +3.7 points |
| Q4 2025 | 26% | -3.2 points |
| Q3 2025 | 33% | -67 points |
| Q2 2025 | 36% | -64 points |
| Q1 2025 | 33% | -67 points |
| Q4 2024 | 29% | -71 points |
OFG has the edge over BLK on profitability, with a higher operating margin.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK has the edge over OFG on cash flow, with more consistent year-over-year improvement.
OFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $83.2M | +134% |
| Q2 2026 | $45.1M | +42% |
| Q1 2026 | $68.8M | -13% |
| Q4 2025 | $53.3M | +56% |
| Q3 2025 | $35.5M | -31% |
| Q2 2025 | $31.8M | -65% |
| Q1 2025 | $78.7M | +44% |
| Q4 2024 | $34.2M | -66% |
OFG's free cash flow was $250M over the past year, up 39% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OFG.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
OFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +47K shares |
| 1 year | -5% | -2.2M shares |
| 3 years | -10% | -4.9M shares |
| 5 years | -18% | -9.1M shares |
| Available history | -18% | -9.3M shares |
OFG has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $13.5M |
| Q2 2026 | — |
| Q1 2026 | $44.5M |
| Q4 2025 | $40.1M |
| Q3 2025 | $20.4M |
| Q2 2025 | $7.7M |
| Q1 2025 | $23.4M |
| Q4 2024 | $45.9M |
OFG spent $98M buying back its own shares over the past year, about the same as the year before.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
OFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.6x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -2.3x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -1.1x | Net Cash |
| Q1 2025 | -0.9x | Net Cash |
| Q4 2024 | -0.4x | Net Cash |
OFG has the edge over BLK on leverage, with a lower net debt burden relative to earnings.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
OFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.8 | Neutral |
| Stochastic | 31.8 | Neutral |
OFG's weekly RSI is 56 (neutral) and its Stochastic is 32 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
OFG PE vs Financial Services Sector
| Metric | OFG | Sector median | Relative |
|---|---|---|---|
| PE | 9.8x | 13x | 25% below |
| PE % | 46 | 63 | 17 pts below |
OFG has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over OFG on trend strength, trading above more of its moving averages.
OFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $51.2 | 0.2% above |
| 20 week MA | $51.7 | 0.6% below |
| 50 week MA | $46.3 | 11% above |
| 100 week MA | $44.0 | 17% above |
| 200 week MA | $39.2 | 31% above |
OFG's trend is mixed: it's above four of its five weekly moving averages, and 31% above its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has finished higher in five of the last six years. It's up 12% so far in 2026.
OFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.6 | $17.8 | -25% |
| 2021 | $17.8 | $26.2 | +48% |
| 2022 | $26.2 | $27.2 | +3.7% |
| 2023 | $27.2 | $37.5 | +38% |
| 2024 | $37.5 | $43.2 | +15% |
| 2025 | $43.2 | $41.8 | -3.4% |
| 2026 YTD | $41.8 | $51.3 | +23% |
OFG has the edge over BLK on returns for 2026, with the stronger performance.